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Obamacare in West Virginia

In West Virginia, there are 33,421 beneficiaries that use insurance provided by the Affordable Care Act, also known as Obamacare. The Affordable Care Act introduced a number of new policies, many of which were designed at reducing the cost of health insurance plans, as well as making it easier for applicants to become eligible for healthcare coverage. Obamacare made it possible for parents to share their insurance with their children until they turned 26. With the Affordable Care Act also came new funding for health insurance all across the United States. West Virginia has received over $20,000,000 in grants since the introduction of Obamacare. More information about Obamacare is covered in the following areas:

  • Did West Virginia accept the Obamacare Medicaid expansion?
  • Does the state or federal government run the health insurance exchange in West Virginia?
  • Eligibility for Obamacare in West Virginia
  • How to apply for Obamacare in West Virginia
  • Health plan cost and availability in West Virginia

 

Did West Virginia Accept the ACA Medicaid Expansion?

One of the policies that was introduced through the Affordable Care Act was the Medicaid expansion. The Affordable Care Act Medicaid expansion is an optional policy that was offered for each individual state. The Obamacare Medicaid expansion was accepted in West Virginia. What is the Obamacare Medicaid expansion in West Virginia? Most of the Obamacare Medicaid expansion details focus on helping low income applicants.

What is the expansion of Medicaid? Applicants will have to do a little research, since the expansion focuses so much on income. Those candidates that have a yearly income that is 133 percent below the federal poverty level are eligible for free Medicaid coverage. When determining Obamacare Medicaid eligibility, the family size of the applicant is also taken into consideration. Applicants that file as individuals on the Obamacare Medicaid application will have a lower poverty level, since they do not have the shared income that a family might have.

One of the concerns, initially, was the ACA Medicaid expansion cost to states, which is why it was offered as an optional component to each state. The federal government wanted states to have incentive to accept the Medicaid expansion. For the first three years, the federal government provided all the funds for the Medicaid expansion. After those first three years, the government would still cover 90 percent of the costs, to help keep states from having to raise taxes or move funds around.

Part of the Affordable Care Act also introduced policies to keep funding going into health insurance. For example, the 80/20 policy says that health insurance providers have to spend 80 cents of every dollar on improving health insurance.

Does the State or Federal Government Run the Health Insurance Exchange in West Virginia?

What is the marketplace for health insurance in West Virginia? Another key component to Obamacare was making it easier for applicants to find all the available insurance plans in the area. In order to accomplish this, the government created the Obamacare health insurance exchange to sell insurance plans. What is the health insurance exchange in West Virginia? The health insurance exchange uses a website to collect information about all the participating insurance providers in the state, and how many plans each of those providers offer in West Virginia.

States are given the option of running their own Obamacare healthcare marketplace, or letting the federal government do it for them. West Virginia is one of the few states that has a state partnership program. The federal government maintains the website and handles things like health insurance exchange regulations, but the state of West Virginia gets to determine which insurance providers and plans are allowed on the website.

Eligibility for Obamacare in West Virginia

What are the requirements to apply for Obamacare in West Virginia? Another big change with the Affordable Care Act has to do with health insurance eligibility. How to qualify for Obamacare is very easy because of these changes. Anyone who is eligible for Obamacare simply needs to be a resident of the state they are applying in, be a legal United States citizen, and not be incarcerated when they are applying. Obamacare coverage eligibility requirements do exist for certain plans, but only for the sake of determining discounts and tax credits. Obamacare income requirements will never cause an applicant to be denied at least some basic level of health insurance.

How to Apply for Obamacare in West Virginia

Applicants who are concerned about how to apply for Obamacare insurance should note that it is not a difficult process, and applicants have a few different sources they can use. Potential candidates wondering how to enroll in Obamacare often ask “What do I need to apply for Obamacare in West Virginia?” If applicants are still wondering how to get Obamacare, there are only a few specific documents that will be needed. More specifically, what is needed to sign up for Obamacare will include past financial information, which can be presented in the form of past pay stubs and tax records on hand, as well as information about their past insurance plans.

Another common question asked by applicants is “Can I apply online for Obamacare in West Virginia?” When it comes to where to apply for Obamacare, applicants can apply in one of several ways. Online applications through the health exchange are the most common. It is possible to print off the application or get it from a state building and then send the application in by mail. Applicants who want to receive assistance are encouraged to call an insurance agent or show up in person to get help with the applications.

Health Plan Cost and Availability in West Virginia

What most applicants seem to be concerned about is “How much will Obamacare insurance cost me in West Virginia?” How much does Obamacare cost? The cost is dependent on the type of insurance plan offered by the provider. Currently, there are only two health insurance providers on the health insurance exchange in WV. Between these two carriers, applicants have the option of picking from 14 different plans. All of these plans offer different types of coverage. Applicants can get Obamacare health insurance price estimates when they are first looking for plans.

Obamacare health insurance plans costs are also reduced by discounts and tax credits. Eighty six percent of West Virginia beneficiaries qualify for tax credits worth $300 every month. In addition, 47 percent of those beneficiaries get coverage for less than $100 after using their tax credits and other discounts.